CommunityWorks City of Spartanburg Homebuyer Assistance Program

CommunityWorks City of Spartanburg Homebuyer Assistance Program is a forgivable loan for homebuyers in Spartanburg, South Carolina, administered by CommunityWorks Carolina. Qualified first-time homebuyers purchasing a home in the City of Spartanburg can receive up to $20,000 in down payment and/or closing cost assistance. The assistance is a 0% non-amortizing subordinate loan forgiven over 20 years, administered by CommunityWorks Carolina on behalf of the City of Spartanburg. Buyers must be at or below 80% AMI and purchase a property within Spartanburg city limits (with a GIS eligibility map available). Households with AMI between 80% and 100% may be eligible if purchasing a qualified property. Up to $20,000 forgivable DPA. 0% interest, no monthly payments. Forgiven over 20 years. Available for new and existing homes. Funding comes from City of Spartanburg (ARPA/HOME).

CommunityWorks City of Spartanburg Homebuyer Assistance Program offers up to $20,000 in assistance. The program asks homebuyers to contribute $500 minimum buyer contribution. Amounts are the program's published maximums, not an offer — CommunityWorks Carolina determines any individual award.

CommunityWorks City of Spartanburg Homebuyer Assistance Program is forgiven after 20 years, so a homebuyer who stays that long does not repay it. Repayment is triggered by Sale, refinance, or property no longer primary residence before term. The assistance is recorded in 2nd position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

CommunityWorks City of Spartanburg Homebuyer Assistance Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Not owned in past 3 years qualifies as first-time homebuyer. A homebuyer education course is required, through ReGenesis (Spartanburg). Funds currently available (as of 2026-06-13). GIS map required to verify property eligibility within city limits. Third-party home inspection required prior to purchase. Lender must first complete Homebuyer Assistance Application at communityworkscarolina.org.

CommunityWorks City of Spartanburg Homebuyer Assistance Program limits household income to 80% of the area median income, which varies by county and household size. At or below 80% AMI for Spartanburg County (4-person limit $65,700 per 2025 HUD limits). Households 80-100% AMI may qualify for certain properties. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

CommunityWorks City of Spartanburg Homebuyer Assistance Program caps the purchase price at $237,000. Eligible property types include Single Family and Modular. New construction is eligible. Manufactured homes are not eligible.

CommunityWorks City of Spartanburg Homebuyer Assistance Program serves homebuyers purchasing in Spartanburg, South Carolina. The program targets specific areas: Within City of Spartanburg limits only (see https://experience.arcgis.com/experience/0cdf451233de4435affca8a884b74fea/).

Applications for CommunityWorks City of Spartanburg Homebuyer Assistance Program go through CommunityWorks Carolina, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.